# Genius by InterCapital > Long-term passive investment in global and regional ETFs with savings plans. (iPhone/iPad app by INTERCAPITAL ASSET MANAGEMENT d.o.o..) - Source: https://appshunter.io/ios/app/genius-by-intercapital/id1499823028 (this page in markdown: same URL + `.md`) - Developer: [INTERCAPITAL ASSET MANAGEMENT d.o.o.](https://appshunter.io/developer/1499823027) - Category: Finance, Business - Price: Free - Rating: 5.00/5 from 2 App Store ratings - Age rating: 4+ - Requires: iOS 15.0 · 143 MB - Languages: English - Released: 2021-06-25 - Data updated: 2026-08-03 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/genius-by-intercapital/id1499823028/reviews.md ## What is Genius by InterCapital? Genius je jedinstvena hrvatska aplikacija za dugoročno, pasivno ulaganje u najbolje svjetske i regionalne ETF-ove. Prvi u Hrvatsku donosi ETF štedne planove i opciju pametnijeg korištenja novca koji možda samo stoji na računu. Bilo da ste početnik ili profesionalac, ulaganje kroz Genius je jednostavno, povoljno i fleksibilno. Bez ulazni i izlaznih naknada. DIVERZIFICIRANI ETF PORTFELJ Naša TOP usluga kao temelj vaše investicije. Moćni Genius algoritam za vas kreira i održava profesionalni ETF portfelj. • Vrhunski svjetski ETF-ovi • Tolerancija rizika specifično prilagođena korisniku • Redoviti rebalans i optimizacija • Početna uplata: 50 EUR • Naknada se smanjuje svake iduće godine ulaganja do max. 4 godine POSPREMITE CASH BEZ OROČENJA Pametnije korištenje novca koji na računu gubi vrijednost zbog inflacije. • Bez oročenja, idealno za kratkoročno ulaganje • Minimalni rizik • Prinos bolji od bankovne štednje • Novac dostupan za isplatu - BEZ NAKNADE • Početna uplata: 50 EUR ETF ŠTEDNI PLAN - REVOLUCIJA NA HR TRŽIŠTU Svjetski ulagački hit - jednostavno, jeftino, fleksibilno. Samostalni odabir jednog ili bilo koje kombinacije ETF-ova poput: • S&P 500, NASDAQ, All World • TOP regionalni ETF-ovi InterCapitala • Alternativna imovina • Zlato • Odličan dodatak temeljnom ETF portfelju • Naknada - od 1 EUR po portfelju mjesečno • Početna uplata: 50 EUR ULAGANJE U ZLATO Bez skupih pločica, sefova za čuvanje ili izazova kod prodaje. • Ulažite u zlato kroz ETF, jednim klikom • Uplatite ili isplatite novac kad god želite • Početna uplata: 50 EUR Ne treba vam diploma iz ulaganja niti veliki iznosi. Sve što vam treba za krenuti ulagati je - krenuti! Genius je idealan i za početnike i za iskusne profesionalce. Ulažite pametno, jednostavno i dugoročno - uz male mjesečne uplate. Iskoristite vrijeme i držite se svojeg plana, to je tajna uspješnog ulaganja. ## Key features - Diversified ETF portfolios - ETF savings plans - Smart cash management - Investment in gold via ETF - User-tailored risk tolerance - Low minimum investment ## Frequently asked questions about Genius by InterCapital ### What is Genius by InterCapital? Genius by InterCapital is a Croatian app for long-term, passive investment in global and regional ETFs. It offers ETF savings plans and a smart way to manage cash that might otherwise lose value due to inflation. ### What are the minimum investment requirements for Genius by InterCapital? The minimum initial deposit for all features, including diversified ETF portfolios, cash management, and ETF savings plans, is 50 EUR. ### Does Genius by InterCapital have any fees? There are no entry or exit fees. The ETF savings plan has a monthly fee starting from 1 EUR per portfolio. The fee for the diversified ETF portfolio decreases annually, capping at 4 years. ### Is Genius by InterCapital suitable for beginners? Yes, the app is designed to be simple, affordable, and flexible, making it ideal for beginners who may not have investment experience. It also caters to experienced professionals. ### What types of ETFs can I invest in with Genius by InterCapital? You can invest in top global ETFs like S&P 500 and NASDAQ, as well as regional ETFs from InterCapital, alternative assets, and gold through ETFs. ### How secure is Genius by InterCapital? While specific security measures are not detailed, as a finance application, it is expected to adhere to industry standards for protecting user data and investments. Users can invest with minimal risk in certain features. ### Does Genius by InterCapital have ads? Yes, Genius by InterCapital contains advertisements. Users may encounter ads within the application interface. ### What devices is Genius by InterCapital available on? Genius by InterCapital is available on iPhone, iPad, and iPod devices, indicating compatibility with Apple's iOS ecosystem. ## Version history (last 5 releases) ### 3.21 — 2026-07-30 Ovo ažuriranje donosi pozadinske nadogradnje i ispravke bugova kako bi Genius bio još jednostavniji i ugodniji za korištenje. Imate pitanja? Javite nam se putem chata u aplikaciji ili pošaljite email na genius@intercapital.hr. ### 3.20 — 2026-06-10 Ovo ažuriranje donosi pozadinske nadogradnje i ispravke bugova kako bi Genius bio još jednostavniji i ugodniji za korištenje. Imate pitanja? Javite nam se putem chata u aplikaciji ili pošaljite email na genius@intercapital.hr. ### 3.19 — 2026-05-14 Ovo ažuriranje donosi pozadinske nadogradnje i ispravke bugova kako bi Genius bio još jednostavniji i ugodniji za korištenje. Imate pitanja? Javite nam se putem chata u aplikaciji ili pošaljite email na genius@intercapital.hr. ### 3.18 — 2026-01-20 Ovo ažuriranje donosi pozadinske nadogradnje i ispravke bugova kako bi Genius bio još jednostavniji i ugodniji za korištenje. Imate pitanja? Javite nam se putem chata u aplikaciji ili pošaljite email na genius@intercapital.hr. ### 3.17 — 2025-12-04 Ovo ažuriranje donosi pozadinske nadogradnje i ispravke bugova kako bi Genius bio još jednostavniji i ugodniji za korištenje. Imate pitanja? Javite nam se putem chata u aplikaciji ili pošaljite email na genius@intercapital.hr. ## Apps similar to Genius by InterCapital | App | Rating | Price | Category | | --- | --- | --- | --- | | [Toni Milun](https://appshunter.io/ios/app/toni-milun/id1609959736) | — | Free | Finance | | [PBZ Card MyWay](https://appshunter.io/ios/app/pbz-card-myway/id1543787944) | 1.4 (9) | Free | Finance | | [mPorezna](https://appshunter.io/ios/app/mporezna/id1591024128) | 5.0 (1) | Free | Finance | | [KEKS Pay](https://appshunter.io/ios/app/keks-pay/id1434843784) | 4.8 (117) | Free | Finance | | [m-zaba poslovno bankarstvo](https://appshunter.io/ios/app/m-zaba-poslovno-bankarstvo/id1478606934) | 4.7 (41) | Free | Finance | | [Erste Funds](https://appshunter.io/ios/app/erste-funds/id1643497596) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-03.*